Tools
Financing tools, free to use.
The same math our team uses every day: loan payments, hotel pro formas, debt service coverage, C-PACE eligibility, and CPG revenue projections. No sign-up required.
Consumer brands
CPG Revenue Calculator
Project retail revenue, trade spend, deductions, and net margin for your brand. Save and compare scenarios.
Best for: Brands planning a retail launch or line review
Open the toolHospitality
Hotel Pro Forma Builder
Build a five-year hotel pro forma from market benchmarks: occupancy, ADR, and RevPAR projections, departmental expenses, and a lender-ready report.
Best for: Owners underwriting an acquisition or development
Open the toolCommercial real estate
DSCR Loan Qualifier
Check your debt service coverage ratio against lender benchmarks, model new loan scenarios, and download a detailed report.
Best for: Borrowers testing qualification before a lender call
Open the toolCommercial real estate
C-PACE Eligibility
See whether your state has an active C-PACE program and estimate the maximum financing available for your project.
Best for: Projects with energy or resiliency scope in the budget
Open the toolAny borrower
Loan Calculator
Estimate monthly payments, total interest, and payoff dates. Compare up to three loan scenarios side by side, with extra-payment planning.
Best for: Anyone comparing loan payments and payoff timing
Open the toolMarket data
Current Interest Rates
Live prime rate, SOFR, and Treasury yields, updated hourly, with a quick base-plus-spread calculator for indicative loan pricing.
Best for: Checking today's benchmarks before a quote
Open the toolQuick calculators
Single-purpose calculators with the formula, a worked example, and typical ranges on every page.
Hotel Metrics
Cap Rate & Property Value
Value from NOI and cap rate, plus price per key.
DSCR, Debt Yield & Loan Constant
Three lender metrics from NOI, loan amount, rate, and amortization.
Break-Even Occupancy
The occupancy where your hotel covers its fixed costs.
RevPAR Index
Your RevPAR against the comp set: fair share or not.
FF&E Reserve
Annual and cumulative reserves over your hold period.
ADR & RevPAR
RevPAR from your rate and occupancy, plus room revenue.
GOPPAR
Gross operating profit per available room, and GOP margin.
LTV & LTC
Loan-to-value and loan-to-cost from your loan amount.
Yield on Cost
Development yield and your spread over the market cap rate.
Consumer Brands & Working Capital
Working Capital Gap
Cash needed to fill a purchase order versus cash on hand.
PO Profitability
The full cost waterfall from order value to net margin.
PO Financing Cost to APR
Convert a flat financing fee into a true annualized rate.
Wholesale to MSRP Margin
Retailer margin and your gross margin from three prices.
Cash Conversion Cycle
Days between paying suppliers and getting paid: DIO + DSO − DPO.
Gross Margin & Markup
Gross profit, margin, and markup from price and cost.
Inventory Turnover
Turnover ratio and days of inventory from COGS.
Landed Cost per Unit
True per-unit cost after freight, duty, and fees.
Break-Even Units
Units and revenue to cover fixed costs, from your contribution margin.
Every formula follows standard industry definitions. Each term is explained in plain English in our Financing Glossary.
These tools provide estimates for planning purposes only and are not an offer of credit. Final terms depend on underwriting and your overall credit profile.
Frequently asked questions
What does the DSCR Loan Qualifier calculate?
The DSCR Loan Qualifier computes your debt service coverage ratio: net operating income divided by annual debt service. It checks the result against typical lender minimums of 1.20x to 1.30x and lets you model a hypothetical new loan on top of existing debt.
What is the difference between DSCR and debt yield?
DSCR measures payment coverage (NOI ÷ annual debt service) while debt yield measures income against loan dollars regardless of loan terms (NOI ÷ loan amount). Lenders use debt yield as a rate-proof check, typically wanting 9% to 11% on commercial real estate.
Are the Bridge financing calculators free to use?
Yes. Every calculator on this page is free with no sign-up required. Results are estimates for planning purposes and are not an offer of credit.
How current are the benchmarks in these tools?
Benchmark tables and typical ranges across the tools were last reviewed in August 2026 and are refreshed as market conditions change. Each tool page shows its own last-updated date.
What is C-PACE financing?
C-PACE (Commercial Property Assessed Clean Energy) is long-term, fixed-rate financing for energy and resiliency improvements, repaid through a property tax assessment. The C-PACE Eligibility tool shows whether your state has an active program and estimates available financing.